公开(公告)号：US20160078534A1

公开(公告)日：2016-03-17

申请号：US14855098

申请日：2015-09-15

Applicant: THE TORONTO-DOMINION BANK

Inventor： Kurt A. SCHILLINGER ,  Kanthimathi CHANDAR ,  Charles John ROBRECHT, III ,  Prabaharan SIVASHANMUGAM

IPC: G06Q40/02

CPC classification number: G06Q40/025

Abstract: A method of transferring a loan involves a primary financial institution server receiving a credit application for a loan. The credit application includes credit application content and further includes credit application meta-data identifying particulars of the credit application. The credit application particulars includes a loan amount. The primary financial institution server is associated with a primary financial institution. The primary financial institution server determines from the credit application meta-data that the credit application is consistent with secondary credit risk requirements associated with a secondary financial institution, registers in a primary loans management database of the primary financial institution a loan in the loan amount, transmits the credit application content to a secondary financial institution server requesting assumption of the loan by the secondary financial institution, and advances funds in the loan amount. The secondary financial institution server is associated with the secondary financial institution.

Abstract translation: 转移贷款的方法涉及接收贷款信用申请的主要金融机构服务器。 信用申请包括信用申请内容，并进一步包括信用申请元数据识别信用申请的细节。 信贷申请资料包括贷款额度。 主要金融机构服务器与主要金融机构相关联。 主要金融机构服务器从信用申请元数据确定信用申请与次级金融机构相关的次级信用风险要求一致，在主要金融机构的主贷款管理数据库中登记贷款贷款额度， 将信用申请内容发送给二级金融机构服务器，要求由二级金融机构申请贷款，并将贷款额度垫付。 二级金融机构服务器与二级金融机构相关联。